One Gamble You Should Never Take: Nevada Insurance

Visitors to Nevada may know only Las Vegas, and plan to hit the town for an all-night adventure. The rest of you know better. The Silver State is home to Cowboy Country, Reno-Tahoe Territory, Pony Express Territory, and Nevada Silver Trails. Accordingly, this large, diverse state can be difficult to get a handle on. Nevada insurance is a perfect example. A Nevada auto insurance quote for a Las Vegas resident, where the auto theft rate is among the highest in the United States, will look a lot different than a quote for someone who lives in a remote desert location. But one thing is certain: neglecting to insure yourself adequately is more dangerous than laps on the Las Vegas Speedway.

Navigating the Sagebrush State

Whether you're driving up to Boundary Peak or toward Death Valley, one requirement remains constant in your Nevada auto insurance quotes: every driver must purchase liability insurance for $15,000 bodily injury coverage for one person in one accident, $30,000 bodily injury coverage total per accident, and $10,000 property damage coverage per accident. In addition, the policy provider must be licensed in Nevada. These requirements apply whether or not you use your vehicle. If you fail to meet these standards, your registration will be suspended. And if a police officer pulls you over with suspended registration, that officer can immediately impound your car. This leads to all sorts of difficulties, not least of which is higher premiums in your next Nevada auto insurance quotes.

Playing With House Money

After the purchase of your home, you may find yourself tempted to avoid shelling out a lot of money for an expensive insurance policy. Instead, take the time to shop around and find a great deal. You can search through the dozens of companies offering Nevada homeowners insurance quotes, or take advantage of a free service like NetQuote to do the comparison shopping for you. It may seem daunting to fully protect your home in a higher-crime area like Las Vegas, but there are plenty of ways to save. Burglar alarms, deadbolt locks, and window locks can all lower your Nevada insurance premium. In a more remote area, factors such as distance from a fire department can cause Nevada insurance quotes to rise as well. Consider equipping your home with fire extinguishers and new smoke alarms. Remember, these aren't short cuts, but if you look around at enough home insurance policies, you'll likely find that some simple steps can save you a great deal of money in the long run.

Avoid the Heat

The summer temperatures in the "Battle Born State" keep a lot of tourists confined indoors. But you can prepare yourself for all the dangers out there by finding the insurance policies that are right for you and your family. In Las Vegas Valley in particular, Nevada insurance quotes are higher than most of the country. One way around these high premiums is to combine your auto insurance, life insurance, business insurance , and home insurance policies. Savings often reach 15% on both. There are some things you can't get around --drivers under 25 will pay more than those over 35, for example --but if you compare enough policies, and make informed decisions, you can get protection stronger than the Hoover Dam, at a price you can afford.